Medicare Part A

What it helps cover:

• Hospital care

• Skilled nursing facility care

• Nursing home care (as long as that isn't the only care you need)

• Hospice care

• Home healthcare

What it costs:

Most people generally don't pay a monthly premium for Original Medicare Part A because they paid Medicare taxes while they were working. However, there are costs you may have to cover. 

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Other Part A costs for 2025:

• An annual deductible of $1,676 in 2025 for in-patient hospital stays

• $419 per day coinsurance payment in 2025 for in-patient hospital stays for days 61 to 90

  • After day 91 there is a $838 daily coinsurance payment in 2025 for each lifetime reserve day used

  • After the maximum 60 lifetime reserve days are exhausted, there is no more coverage under Part A for inpatient hospital stays.

• 20% copay for Medicare-approved durable medical equipment (DME).

• Room and board costs for hospice care in your home or in a nursing home if that is where you live.

• $209.50 coinsurance payment in 2025 for days 21 to 100 for a skilled nursing facility stay

  • All costs after day 100

• 20% copay for mental health services connected with a hospital stay.

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Items and services Medicare A doesn't cover:

• Long-term care (also called custodial care)

• Most dental care

• Eye exams (for prescription glasses)

• Dentures

• Cosmetic surgery  

• Massage therapy

• Routine physical exams

• Hearing aids and exams for fitting them

• Concierge care (also called concierge medicine, retainer-based medicine, boutique medicine, platinum practice, or direct care)

• Covered items or services you get from an opt-out doctor or other provider (except in the case of an emergency or urgent need​

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I do not offer every plan available in your area. I currently offer plans with United Health Care, Aetna, Humana, Devoted, and Well Care. Any information I provide is limited to those plans that I do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE or your local State Health Insurance Program to get information on all of your options.​​​